About our Paylater Options

You know those times when you need something NOW or want to grab a great deal but just don’t have the cash today? My Little Threads have teamed up with 2 amazing payment services. With AfterPay and ZipPay you can BUY now and PAY for it later, it’s like lay-buy but better as your order is shipped immediately!* And the good news, there’s no interest or added fees to pay!* You pay for your purchase in smaller installments. Payment will be automatically taken from your debit or credit card!

Normal Purchase

Can I get my purchase now and pay later?

NO

YES

YES

Can I pay my purchase off over time?

NO

YES 4 equal payments

YES As long as you like*

How much interest will I pay?

N/A

NONE

NONE

Is there a limit to how much I purchase?

NO

$1000

$1000

Are there any fee’s or costs?

N/A

No as long as payment conditions met

No as long as payment conditions met

How does Afterpay work?

No interest or added fees*

Pay installments fortnightly

Your order will be shipped immediately, just like a normal order

Use for orders between $100 and $1000

How do purchase with Afterpay at My Little Threads?

Afterpay can be used to purchase individual products or numerous products where the total value of your order with My Little Threads is up to $1000. The amount of the four installments will be displayed under the price of every product. Simply add the individual product to your shopping cart and proceed to checkout. At Checkout you’ll be presented with Afterpay as a payment option.

You will then need to log in or create an account directly with Afterpay to complete your purchase. When payment is successful, your order will be shipped as normal by My Little Threads.

What do I need to use Afterpay?

A debit card or credit card. All purchases over $500 must be on credit card

To be over 18 years of age

To live in Australia

Important info you need to know!

Afterpay can be used to make purchases where the total of the order is up to $1000. A debit or credit card can be used for purchases under $500, over $500 must be on a credit card.

If you are a first time customer using Afterpay, the first installment needs to be paid at the time of purchase.

Existing Afterpay customers (i.e. more than 6 weeks since your first purchase with Afterpay) only need to have funds available on the card at time of checkout, however the first payment won’t be deducted for 14 days.

Payment will be automatically taken from your debit or credit card in four equal payments. Afterpay will send you reminders directly when payments will be deducted so there are no surprises.

*If you fail to make a payment you will be charged a late payment fee of $10 by Afterpay with a further $7 fee added 7 days later if the payment is still due.

No interest is charged.

Returns or exchanges of goods purchased with Afterpay are subject to our normal returns and refunds terms.

If you wish to exchange your goods and there is a price difference greater than the amount of the original purchase, this amount will need to be paid directly to My Little Threads. If a partial refund is due, this will be made as an adjustment to reduce remaining installment amounts. If a refund is required and no amounts have been deducted from your card, the payments will be cancelled with Afterpay. Otherwise, once we’ve processed your refund, the funds will be credited back on your card.

ELIGIBILITY:

– Must be an Australian citizen or permanent resident

– Must be 18 years or older

– Must be employed, earning at least $300 per week

How much does ZipPay Cost?

At the end of each billing month, you can choose to pay off your balance in full or simply make a payment that suits your budget (Please note there is a minimum repayment of $40 per month). A $5 monthly account service fee is added to your account for any month you have an outstanding balance.

There are NO establishment fees to setup your account and NO interest ever! If you have repaid your balance in full within 30 days you will never be charged any fees!

Once you have repaid your balance down to $0, no fees will ever be charged to your account – it will simply remain open waiting for you to use again to make additional purchases.

HOW CAN I APPLY?

To create a zipPay account, all you need is a social media account and to confirm the details that you would normally enter when shopping online.

Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later!

Once you’re approved for your zipPay shopping account, you never have to apply again and can continue to reuse it as much as you like.